You may not need to pay an excess if: you are not at fault and you can provide us with the details of the responsible party such as the name and address of the other driver/owner of the other car and registration number; or the damage did not involve another car and you are able [...]
Yes, there are. Your basic excess will apply as the first payable amount (excess) at the time of a claim. Depending on the circumstances of the incident and who the driver was at the time, the following excesses may also be applicable: Age excess Inexperienced driver excess Learner driver excess Undeclared young driver excess Outside [...]
You have the flexibility to increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy or during the 14 day cooling off period if you have not made a claim.
The excess is the amount you contribute towards a claim, therefore, if you are willing to contribute more at the time of a claim (higher excess) you will have a lower premium during the policy period. A lower excess would mean you would pay a higher premium. But remember, while your premiums will be cheaper [...]
In the event of a claim and you are required to pay an excess(es), then we will ask you to pay: your excess(es) to the repairer when you pick up your car; or directly to us before you pick up your car or we settle a claim on our behalf; or we may deduct your [...]
An excess is the amount you need to contribute towards the cost of repairing your car if you make a claim. To make car insurance premiums more reasonable for everyone, we include an excess in your policy. Then, when you make a claim, you’ll need to pay your excess(es). There are different types of excesses [...]